Buying a used car can be a very exciting time in life. This is especially important if you are helping a teenager with their first car. Before you buy a car, you need to consider Kentucky auto insurance. This will help the process run smoother and easier.
Tips to Consider When Insuring a Vehicle for the First Time
- Before you decide on which model to buy, check into what it costs to insure it. Several things can affect the policy premiums. For example, some vehicles are stolen more than others. This means that they will have higher comprehensive coverage.
- Consider safety and anti-theft features of the car.? Things like air bags and burglar alarms will result in lower car premiums. If you buy an older car, look for things like anti-lock brakes and automatic seat belts. These things can make a difference in your auto insurance premiums.
- If you are buying a car for a young driver, the make and model are very important. Try to avoid sports cars or ones that have a lot of horsepower. This includes any kind of high performance vehicle.
- Young people are more prone to accidents and insurers may refuse to cover young drivers on some models. It is best to know about this before you buy the car, to avoid some major headaches.
Graduated Driver License Laws
Your Kentucky auto insurance will be affected by graduated driver license laws. Before your young driver gets behind the wheel, make sure that you both understand these laws completely. This will affect the time of day for driving, as well as the number of passengers in the car.
Mandatory Auto Insurance Coverage
- Kentucky is a no fault insurance state, so this means that some coverage will be mandatory. You must have liability coverage which includes bodily injury and property damage.
- In most cases, the minimum is not going to be sufficient and you should consider higher limits on these things, for your financial protection. You also must carry PIP or personal injury protection.
- If you are buying an older car and not taking out a loan, you will not have to purchase full coverage. This can be a good way to save on coverage for a teen driver. However, it is best to pay for things like uninsured and under-insured motorists and comprehensive. Under-insured motorist coverage will pay for bodily injury caused by someone with insufficient coverage. Uninsured motorist coverage pays for bodily injury from a driver that has no coverage at all.
- Comprehensive coverage is worth considering on any car. It pays for things like fire and theft. It also pays for things that hit your car, like hail or large tree limbs.
Considerations When Buying a Used Car
If you are thinking about buying a used car, there are some things that you should take into account for your new auto insurance policy. Check out premium prices before you make your final decision. You may be buying a car that the insurer does not cover for young drivers. Make sure that you completely understand about state driving laws and no fault coverage. With older vehicles, you may not need full coverage on your Kentucky auto insurance.
Are you looking for the best rate possible for the coverage you need? ?The only way to do this in your area is to search our directory of local auto insurance agents or to compare auto insurance quotes from multiple providers. Look around our site, learn about different insurance products, and find local agents or national companies by entering your zip code into one of our convenient forms located on every page.
Source: http://findinsurancecompanies.org/buying-a-used-car-and-kentucky-auto-insurance/
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